Car insurance issues-can you help me?!

dcouponzzzz

Gotcha, I'll keep it in mind ta

dacouch

dcouponzzzz wrote: »

I was reversed in to a month before renewal (dashcam ), after already making full payment for a new Aviva policy (allows 60 days prior to start date).

Called Churchill and notified them of the incident, informed them it was being settled privately and it was only a notification. They apparently entered it on a claim form, created in 'closed' status. Churchill told me I don't need to inform future insurers.

Once the car was repaired and I received the money from the other driver, I informed Aviva (because I'm paranoid obviously) and they told me they don't need to know about it, so they made no notes on my account.

NCB was still received and presented with no issues.

Regarding the topic of this post, will I still need to declare this to future insurers for 5 years?



Regarding Shiells post, can't a family member open your mail and send you a pic of the no claims cert? You can upload it on most insurer's websites.

Churchill cannot speak for other Insurers.

Coincidently Aviva are one of the few Insurers (Last time I looked) who ignore "Incidents" eg accidents handled privately.

As Adrian has explained, if you're asked whether you have any "Incidents" or "Losses" by a future Insurer (Within the timescale) you need to answer the question correctly

keith1950

LaurenEmma.. Inspite of all the replies you have received you still don't seem to grasp that insurance is about statistics.
You say that you don't consider your self a higher risk because of an accident you knew nothing about.
As far as statistics go they consider you to be a higher risk because you park somewhere that is now considered to be statistically worse than it was before your incident.
That's just the way it works.

keith1950

It isn't what I consider that matters.As far as statistics go your risk increased. Whether you consider that right or wrong, that how it works

arcon5

Incidentally I'm betting statistically a person who fails to declare incidents to keep premiums down is a high risk indeed. But you can't assume everybody with no history is hiding something and charge accordingly

dacouch

arcon5 wrote: »

Incidentally I'm betting statistically a person who fails to declare incidents to keep premiums down is a high risk indeed. But you can't assume everybody with no history is hiding something and charge accordingly

Although due to pooling of risk, claim/conviction free drivers in effect pay a small amount extra to cover the additional risk of the drivers who do not declare their convictions/claims.

I seem to remember the non disclosure of convictions results in everyone paying about £15 a year extra.

paddedjohn

bearcat16 wrote: »

Admiral are pretty terrible. I especially like the way they still penalise you if you opt for a speed awareness course instead of points.

Police forces used to encourage motorists to do these courses on the basis that insurance would be unaffected, but had to stop due to admiral's stance. Also true of the other companies in that group eg elephant, bell etc.

It's even on their Wikipedia page under "controversy"

As for the OP's problem, could you not just get a month's temporary cover from somewhere?

The insurance company can only find out about the speed awareness course if you tell them, they have no way of finding out otherwise.
True you should answer the questions honestly when asked if you have attended one but a simple no answer will suffice as there isn't a database that they can check.